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The Paperwork No One Likes to Think About
Calculate How Much Life Insurance You Need
So who really needs life insurance? Anyone who has others depending on her or his income or services for support needs life insurance. If you stay home and take care of your children or an elderly parent, the services you provide have value, and you should think about buying a life insurance policy.

Premiums vary widely, but in general they go up with the amount of cash-value coverage you buy and down with the amount of term insurance you buy.
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